Star Health Criticare Plus

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Star Health Criticare Plus Insurance Plan

Of all the critical illness policies that are available in the industry, the Star Health Criticare Plus Insurance Plan is probably the most comprehensive health insurance plan. Criticare Plus is a unique policy because it provides regular Hospitalisation benefits in addition to the critical Illness cover.

Key Features of Star Health Criticare Plus Insurance Plan

Provides for regular Hospitalisation benefits along with critical illness coverage

Health Insurance premiums paid in any mode other than cash up to Rs. 15,000 and Rs 20,000 for senior citizen are allowed as a deduction from the taxable income each year under section 80D of the Income Tax Act.

Exclusions - What is not covered in Star Health Criticare Plus Insurance Plan?

Initial waiting period of 30 days from commencement of the policy, whereby no claims will be admitted during that period.

Certain diseases are excluded in the first year of operation like Fistula in anus, Piles, Sinusitis and related disorders, congenital internal disease/defects, removal of gallstones and renal stone, Benign Prostate Hypertrophy, Hernia, Hydrocele

Some of the diseases are excluded in the first Two Years of operation, which are knee replacement surgery, Cataract, Hysterectomy for Menorrhagia or Fibromyoma, Prolapse of inter-vertebral disc and varicose ulcers

Expenses for diagnostic purposes and Naturopathy treatment are not included

Hospitalisation expenses would be paid till the date of diagnosis of major illnesses because once the critical illness is diagnosed, the lump sum benefit is paid out and the policy is terminated

There is a 90 day waiting period to receive the critical illness benefit in the first year of operation